INTERNET BANKING
Credit Cards

Credit Cards

Welcome to Fibabanka Credit Card world, where you can enjoy advantages and privileges in your purchases. A perfect shopping experience is just around the corner with the Bonus advantages you earn as you spend, promotions exclusive for you, different installment opportunities at contracted providers, supplementary cards and cash advance features!

  • Card Features
  • Important Information

What Do the Fibabanka Credit Cards Offer?

How can a credit card make shopping fun? Fibabanka answers this question with its credit card products! You can use your Bonus cards at all stores you go, earn Bonus as you use your card and spend your Bonus points in future shoppings. With the 3D secure feature; you can now enjoy shopping online, fast and securely, on shopping websites. In addition, you can earn extra points at Bonus Program Partners and benefit from all promotions offered to you by the most exclusive brands and the bonus world. Wherever you are, you have the opportunity to utilize cash advance 24/7 when you need cash.

Enjoy shopping in installments, campaigns exclusive to you and an abundance of Bonuses!

What You Need to Know

  • Bonus Card is a credit card that can be used globally; you can shop with this card wherever you are.
  • You earn bonuses at every time you shop within the country or abroad. You can immediately spend the bonuses you earned at Bonus Program Partners, and you can spend the bonuses the next day at all program partners if you earned them from other stores.
  • You can apply for more than one supplementary card.
  • You can withdraw cash within the limits of your Bonus Card.

Application

You can apply for a Fibabanka Bonus Credit Card at our nearest branch.  

You must activate the online shopping feature of your Fibabanka Credit Cards in order to shop, using the 3D secure feature. You can activate the online shopping feature of your cards through Fibabanka Internet Banking, Fibabanka Mobile, 444 88 88 Telephone Banking or by visiting the nearest Fibabanka branch.

DESCRIPTIONS FOR THE CREDIT CARD STATEMENT

The following are the description of the information on the bank statement we provide you for your Fibabanka Credit Card.

Customer Number: The exclusive number that identifies you at our Bank.

Bonus Earned To This Date: Total bonus amount earned from the opening date of the card until the last card statement period.

Bonus Earned This Period: Bonus amount earned from the shopping and campaigns during the related card statement period.

Bonus Earnings - Spendings: You earn bonus at every time you shop within or outside the country. You can immediately spend the bonuses you earned at Bonus Program Partners, and you can spend the bonuses the next day at all program partners if you earned them from other stores.

Campaign Bonus: Bonuses that are put into your card during the campaigns carried out within the year based on the campaign criteria and from which the amount unused within the specified time period is taken back.

Close Date: The date on which your statement is issued.

Payment Due Date: The last payment date of your debt specified on the credit card statement.

Debt for the Period: The total amount of debt to be paid by the payment due date that is calculated by offsetting the payment and credits from the sum of all of the spendings by the card/supplementary card holder with regard to goods and service purchases that are stated in the credit card statement issued on the close date, fees and commissions as well as, if any, late debts transferred from the previous period, loan interest, cash withdrawal interest, late payment interest and tax, fund etc. obligations thereof.

Minimum Payment Amount: For credit card holders having credit card for the first time, this rate is 40% for 1 year since the first use of the card. For the rest of the card holders, the rate is determined based on their limits. Minimum payment amount rate based on the limit and the application dates are stated in the table below.

Table of Minimum Payment Amount
Credit Card Limit (TRY)1-14,99915,000 - 19,99920,000 and above limit
Minimum Payment Rate30%35%40%

Contractual Interest Rate: Monthly interest rate applied to the remaining balance outside the minimum payment amount, when the debt for the period is not completely paid.

Late Payment Interest Rate: Monthly interest rate applied to the unpaid amount only from the minimum payment amount if the minimum payment amount for the debt of the period is not paid.

Cash Advance Interest: Monthly interest rate to be applied from the date of transaction until the date of payment for cash withdrawal and cash use transactions you perform with your card.

Cash Advance Fee: Fee to be taken for each cash withdrawal transaction you make with your card.

Limit Exceeding Interest: Contractual interest rate applied daily to the amount exceeding the limit if your debt balance exceeds the limit allocated to your card.

Card Renewal Fee: If your cards are renewed for the 3rd time within 1 calendar year due to loss/theft, a fee will apply for each card renewal.

Previous Credit Card Statement Fee: Fee determined by the Bank and to be proportional to the transaction that is accrued to the card/supplementary card holder re-requesting the credit card statement from the branch, over e-mail or fax. No fee is collected for the first year following the issue date of the credit card statement.

BITT (Banking and Insurance Transaction Tax): Tax calculated over the interest, fee and commission amounts and collected at 5%.

RUSF (The Resource Utilization Support Fund): Tax calculated over the interest amounts and collected at 15%.

* For current interest rates, please check the front page of your credit card statement.

Current Commission and Fees Applied to Credit Cards
 Bonus ClassicBonus GoldBonus Platinum
Card Membership Fee (Main/Supplementary)TRY 80 / TRY 40
TRY 90 / TRY 45TRY 100 / TRY 50

Fee for Cash Advance with Credit Card (Domestic/Onus)

3.95% + TRY 7.60 (minimum TRY 7.60) (excluding BITT)

Fee for Cash Advance with Credit Card (Domestic/NotOnus)

3.95% + TRY 12.00 (minimum TRY 12.00) (excluding BITT)

Fee for Cash Advance with Credit Card (International)

3.50% + 2 USD (minimum 4 USD) (excluding BITT)
Previous Credit Card Statement FeeTRY 10 (including BITT)
International Use of Card
 TRY Credit Card StatementUSD Credit Card Statement
Calculating Foreign Currency DebtNo matter the currency, your spendings and cash withdrawals abroad are exchanged into USD over the exchange rate set by the international card payment system institutions. A 2% commission is added to this USD amount and the amount is exchanged into TRY over the foreign exchange sales rate set by the Republic of Turkey Central Bank at the time it reaches our Bank.USD spendings are reflected as the transaction sum in USD credit card statements. The exchange rate to apply to your spendings in currencies other than USD is reflected into the USD credit card statement by first adding commission of up to 2% to the rates set by the international card payment system institutions. TRY spendings made abroad is reflected into the credit card statement as TRY, even if the payment type of the statement is in USD. If your debt in USD credit card statement is partially paid or paid late, the remaining amount will be exchanged into TRY over the foreign exchange sale rate set by the Republic of Turkey Central Bank at the time of the last payment.
Minimum Payment AmountMinimum payment amount rate based on the limit and the application dates are stated in the table above.The minimum payment amount is the entire debt.

Interest

Calculation
Payment and interest information are taken as basis for interest calculation.If you do not pay the entire debt on the payment due date, your foreign exchange debt will be exchanged into TRY over the foreign exchange sale rate set by the Republic of Turkey Central Bank on the payment due date, and the information in the interest and fee table will be taken as basis in interest calculation.

BANK CARDS AND CREDIT CARDS LAW

 Details on the interest applied to your card are as follows.

Shopping Interest Rate

If you pay the entire debt of the period by the payment due date, no interest will apply to your debt resulting from your shoppings (including installments). If you fail to pay the entire debt of the period by the payment due date (the minimum amount must be paid), interest to be calculated over your daily balance will apply to your remaining debt beginning from the close date. In the event that you exceed the limit allocated to your credit card, interest will start to apply to the exceeded amount the same day over the shopping interest rate. The interest will continue to apply until the total debt balance falls to the allocated limit. The shopping interest rate applied to your card is 1.84%. RUSF and BITT not included.

Cash Withdrawal Interest Rate

For cash withdrawals, interest starts to apply on the same day. Your Credit Card Statement includes the interest accrued until the close date. The interest accrued between the next close date and the date you make payment is stated in the Credit Card Statement (Such practice also applies to transactions that are deemed cash withdrawal (casino, etc.)). The cash withdrawal interest rate applied to your card is 1.84%. RUSF and BITT not included.

Late Payment Interest

In the event that the minimum payment amount stated in the Credit Card Statement is not paid by the payment due date, late payment interest applies to the unpaid minimum payment amount over your daily balance starting from the payment due date. Late payment interest rate is 2.34%. RUSF and BITT not included.